On average, wedding engagements last 14 months, but more and more people are beginning to plan their wedding before the question is ever popped and the ring is ever on the finger.

Now is the time to start marketing for your wedding insurance product to potential customers. In terms of wedding budgets, a wedding insurance policy’s premium is a minuscule price to pay for peace of mind and coverage for if things go wrong in a number of ways.

Sometimes plans change:

Weddings need to be cancelled or postponed.

Jewelry gets lost or damaged.

Deposits can get lost when venues close without notice.

Damage can happen to wedding attire, gifts, or heaven forbid, guests.

Our wholesale wedding insurance provides coverage for all of that and more.

Be on the ball and make sure that the engaged folks and about-to-be-engaged couples in your area know that you have the wedding coverage they’ll need (because Abram Interstate has the market for you).

Product Highlights:

Low minimum premiums

Up to 500 attendees

Additional coverage available for rehearsal dinner prior to wedding and breakfast/brunch after the wedding at no additional cost.

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

Of those, only 4.5% of the cases were for small enough amounts to be considered “small claims” cases for reparations of $10,000 or less.

Over 200,000 of those cases were seeking more than $25,000.

The high litigation climate in our beautiful state of California makes life a little more precarious for those with insurance exposures they may not even be aware of. Our Wholesale Personal Umbrella Insurance can help your insurance clients feel safe and secure, even in the land of lawsuits in California.

Here’s some tools to help your customers understand their exposure without Umbrella Insurance and to know if our low-premium product could be a wise choice to provide them with peace of mind and protection throughout many areas of their lives.

If any of the following pertain to your insurance customers, they could benefit from Personal Umbrella Insurance:

Or Call 888-845-1626 For a Phone Quote.

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for Personal Lines Insurance, Commercial Lines Insurance, and Agribusiness Insurance in California and surrounding areas.

As of 2017, new laws have come into effect which allow nail salons, beauty salons, and barber shops to serve their customers complimentary alcoholic drinks.

According to news agency, KTLA, the bill, signed by Gov. Jerry Brown, allows these establishments to serve “up to 12 ounces of beer or six ounces of wine at no charge without a special license or permit.”

As our economy still does well, our culture’s money spent on experiences and pampering services continues to grow, and these establishments are not only growing, but evolving to cater to those desires.

75% of spas are seeing an increase in revenue. More and more people seek relief from the pressures of modern-day life, year over year. (ISPA 2016 U.S. Spa Industry Study)

81% of spas will add or create new treatment offerings. Keeping up with the latest trends is critical to maintaining your competitive edge. (ISPA 2016 U.S. Spa Industry Study)

10% job growth is expected over the next decade. Spa and salon jobs are expected to outpace total U.S. employment growth by 2024. (Economic Snapshot of the Salon and Spa Industry, Professional Beauty Association, May 2016)

Beauty Barber Nail Insurance Highlights:

Beauty Salons, Barber Shops, Nail Salons, Day Spas, & Medi Spas

Coverages

General Liability (Products Liability and Premises Liability)

Professional Liability

Property

Packages Available

Optional Coverages

Business Income and Extra Expense (BIEE)

Employee Theft and Dishonesty

Computer Equipment, Data and Media

Liquor Legal Liability* (New!)

Employment Practices Liability

Workers’ Comp

Inland Marine, Glass

Beauty Barber Nail risks that have microdermabrasion, liposuction, laser hair removal, and tanning may now be eligible! Subject to approval.

Or get a quote over the phone: 888-845-1626

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

Did you know?

California has 10 of the top 20 most expensive zip codes in the housing market in the U.S. according to BusinessInsider.com.

Chances are, if you’re an insurance agent in or near any of these areas, you could use our high value homeowners insurance product to get your customers the coverage they need. See specs on the products below.

But in the meantime, here’s the juice on these high priced housing markets. It adds new meaning to the term, “Golden State” eh?

20. Los Angeles, California | 90077

Average Listing Price: $4.71 million

15. Woodside, California | 94062

Average Listing Price: $5.33 million

13. Hidden Hills, California | 91302

Average Listing Price: $5.76 million

11. Hillsborough, California | 94010

Average Listing Price: $5.9 million

8. Beverly Hills, California | 90210

Average Listing Price: $6.44 million

3. Los Altos Hills, California | 94022

Average Listing Price: $7.76 million

6. Ross, California | 94957

Average Listing Price: $6.94 million

4. Palo Alto, California | 94301

Average Listing Price: $7.02 million

3. Los Altos Hills, California | 94022

Average Listing Price: $7.76 million

1. Atherton, California | 94027

Average Listing Price: $9.69 million

And whether you live in one of these areas or not, high value homes are on the rise, and you can be the Insurance Agent with the in who knows the market and has the ability to place the risks. Quote high value homes with Abram today.

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

From the dawn of America, people have been asking one question over and over:

Where do you want to eat tonight?

Have you ever stopped to think about how big a part Restaurants play in our society? They are a part of many people’s everyday lives at home, and they are always a factor for when we travel. One third of every guide book is dedicated to “Where to eat in ____,” so if you’re not insuring many restaurants yet, it may be time to ask yourself, “Why not?”

Call 888-845-1626 for a phone quote OR

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

How long have you been in the Insurance Industry? Whether it’s been 6 months or 30 years, it can be hard to go back to the mindset of your everyday, average Joe who knows hardly anything about Insurance beyond the fact that he needs it.

More often than not, when it comes to insuring a house, your customer views insurance as a hoop they have to jump through or an item to be checked off a list.

Especially in the realm of investments and property management, the property owners have a lot to deal with in their day to day business. They come to you, their Insurance Agent, because they’re looking for someone to tell them their options and help them find the best fit for them. It’s your job to come prepared to help them.

When it comes down to it, the more prepared you are with the knowledge of their industry, and the more tools you have to simplify their insurance needs, the better you’ll do in this business.

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for Personal Lines Insurance, Commercial Lines Insurance, and Agribusiness Insurance in California and surrounding areas.

Within the cleaning services industry, there are two main sectors: residential and commercial. Residential cleaning is usually handled by maid service companies, while in the commercial market, Janitorial Service Companies handle the cleaning.

In your Insurance Agency office, who handles the cleaning? Many (if not most) offices contract out this work to an outside party in order to free up their employees to have more time to focus on their main work.

A janitorial service company will usually take care of the office’s needs for carpet/floor care, window cleaning, bathroom cleaning, etc.

And those janitorial companies need Janitorial Insurance. When you provide the business insurance coverage that the janitorial companies need, you help protect an essential cog in the operation of many, many offices and business throughout California.

According to America’s Small Business Development Centers, “The cleaning services industry is projected to reach $56 billion in the next year in the U.S. The industry is expected to grow 5.5% annually.”

SBDC also reports that according to the latest Economic Census, California has more janitorial businesses than any other state. In fact, Manta shows listings for 14,958 janitorial services businesses within California. We are also the state with the highest sales for janitorial businesses, with these potential insurance clients of yours bringing in $3,436,492,000 annually.

If you think about the few common denominators between all offices, the fact that they all need to be cleaned may be one of the largest. We have the wholesale Janitorial Insurance they need to be able to do what they do best.

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

It’s no secret that owning property in California is more expensive than most other states or areas. Owning commercial real estate is both a great feat, and a great investment. It’s a growing market to get into and your customers with commercial property are on a profitable road, to be sure.

The commercial construction industry in the United States has been steadily expanding since 2010. In 2016, some 74.24 billion U.S. dollars worth of commercial buildings were put in place in the United States…

Commercial rents are on the rise in all sectors. Average retail rent was projected to rise 0.9 percent by the end of the year. Rental rates in the office real estate sector was set to increase by one percent in the fourth quarter…

Vacancy rates both in retail and industrial real estate sector show a declining trend and were projected to amount to 11% and 6.3% respectively as of third quarter of 2018.

But once your clients have arrived in that lucrative position of owning commercial property that they want to lease out to others, they open themselves up to a higher amount of liability along with that profit they’ll earn.

With renting out commercial real estate, your customers have more to gain, but also more ways they could lose. This is why your clients need Lessor’s Risk Insurance (LRO Insurance).

What is Lessor’s Risk insurance and why is it important?

Lessor’s Risk insurance policies are designed to protect your customers and their investment from people who sustain injuries or damages by use of or interaction with their commercial property. Depending on their particular LRO policy, it may also cover other situations like:

Litigation expenses from lawsuits and processes

Repair or replacement of building owner’s belongings such as hallway furnishings

Business Income and extra expense coverage

It’s clear that the expenses could add up quickly, even after just one incident.

Make sure your customers are insured for such occasions with our wholesale Lessor’s Risk Insurance offerings.

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for Personal Lines Insurance, Commercial Lines Insurance, and Agribusiness Insurance in California and surrounding areas.

For most people, their home is the biggest purchase they’re ever going to make.

With the recent fires causing such destruction, it has us all thinking about how important our homes are. For most of us, it’s more than “just a house” — it’s the place where life unfolds. That’s why insuring it with the proper coverage is essential, and that’s on our minds more now than maybe ever before.

Some insurance customers know this and are overwhelmed by the pressure and all of the information they don’t understand.

And some don’t get how big of a deal Homeowners Insurance really is, they’re just aware that they should have it, but they might be price shopping.

Your job as their trusted Independent Insurance Agent as you cater to both types of customers is to

Help them understand their need, and

To get them a policy that truly meets those needs.

For Number 1, here’s an infographic from The Lending Expert Blog that you can give to your insurance customers to help them understand Homeowners Insurance a bit better.

And for Number 2, we can help you with a wide Wholesale Homeowners Insurance market for a variety of types of homes throughout California. See below for details (including a link to quote online!).

Homeowners & Dwelling Fire Insurance Product Highlights:

Products for main street homes as well as High Value Dwellings

Coverage limits available from $50,000 to $50 million *subject to policy form

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

Contractor Insurance Product Highlights:

Limits and Coverage

Course of Construction — New Construction, Renovations and Road Projects

Commercial Property limits Up to $5ML TIV Per Location

Optional EPLI

Contractors Installation

Tools & Equipment Coverage Included

Inland Marine

Coverage on Personal Property at Jobsites

Contractors Pollution Liability

Professional Liability up to $25ML

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for Personal Lines Insurance, Commercial Lines Insurance, and Agribusiness Insurance in California and surrounding areas.